Contributing to an employer sponsored, tax-deferred retirement plan, such as a 401 (k), 403 (b), or 457.

开始一些延税退休计划，比如401计划，403计划或者457。

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Set aside some of each paycheck for savings goals. Ask your bank or credit union about payroll savings plans and investigate your employer-sponsored retirement plan.

将每一次薪水中的一部分实现存钱目标。向银行或信贷联盟询问工资储蓄计划，调查雇主为你出资的退休计划。

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They also appeal to investors who want to invest in something other than what 529 plans offer. (529 investment options are limited to what the plan sponsor offers, much like an employer-sponsored retirement plan).

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The technique is known as dollar-cost averaging, and it's essentially what you do when you invest a set part of your paycheck every pay period via a 401(k) or other employer-sponsored retirement plan.

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Effective Jan. 1, the federal government dropped the income limit for transferring savings to a Roth IRA from a traditional IRA or an employer-sponsored retirement plan, making it easier for people with higher incomes to take advantage of Roth accounts.

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